I am in the same sort of situation, my XP computer died last february and I had to replace it with a Win 8.1 one. I had just gotten used to it, more or less. I went with the upgrade and don't really regret it, not yet anyway. I like the look and the menus of Win 10 better than those in 8.1 and while there's a certain getting used to needed, I haven't encountered any problems. I did do heavy alterations to the default (privacy) settings the new Windows came with but that is par for the course with any major software these days.